EBA欧洲银行-AT_529900XSTAE561178282_TR_2015_23页_3mb

报告摘要

2015 EU-wide Transparency Exercise Summary

Core Information

Bank Name: Raiffeisenbankengruppe OÖ Verbund eGen
LEI Code: 529900XSTAE561178282
Country Code: AT (Austria)

Capital Structure

Capital Component	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)	COREP Code	Regulation
Own Funds	3,701	3,668	CA1 (1)	CRR Articles 4(118) and 72
CET1 Capital (net of deductions and after transitional adjustments)	2,828	2,916	CA1 (1.1.1)	CRR Article 50
Capital instruments eligible as CET1 Capital	1,019	1,019	CA1 (1.1.1.1)	CRR Articles 26(1), 27–29, 36(1) point (f), 42
Retained earnings	2,214	2,210	CA1 (1.1.1.2)	CRR Articles 26(1) point (c), 26(2), 36(1) points (a) and (f)
Accumulated other comprehensive income	-271	-181	CA1 (1.1.1.3)	CRR Articles 4(100), 26(1) point (d), 36(1) point (f)
Other Reserves	4	4	CA1 (1.1.1.4)	CRR Articles 4(117), 26(1) point (e)
Funds for general banking risk	0	0	CA1 (1.1.1.5)	CRR Articles 4(112), 26(1) point (f), 36(1) point (f)
Minority interest given recognition in CET1 capital	83	74	CA1 (1.1.1.7)	CRR Article 84
Adjustments to CET1 due to prudential filters	-90	-89	CA1 (1.1.1.9)	CRR Articles 32–35, 36(1) point (f)
Intangible assets (including Goodwill)	-65	-65	CA1 (1.1.1.10 + 1.1.1.11)	CRR Articles 4(113), 36(1) point (b), 37; 4(115), 36(1) point (b), 37 point (a)
DTAs that rely on future profitability and do not arise from temporary differences net of associated DTLs	-6	-3	CA1 (1.1.1.12)	CRR Articles 36(1) point (c), 38
IRB shortfall of credit risk adjustments to expected losses	0	0	CA1 (1.1.1.13)	CRR Articles 36(1) point (d), 40, 159
Defined benefit pension fund assets	0	0	CA1 (1.1.1.14)	CRR Articles 4(109), 36(1) point (e), 41
Reciprocal cross holdings in CET1 Capital	0	0	CA1 (1.1.1.15)	CRR Articles 4(122), 36(1) point (g), 44
Excess deduction from ATI items over ATI Capital	-34	-26	CA1 (1.1.1.16)	CRR Article 36(1) point (j)
Deductions related to assets which can alternatively be subject to a 1.250% risk weight	0	0	CA1 (1.1.1.17–1.1.1.21)	CRR Articles 4(36), 36(1) point (k) (i) and 89–91; 36(1) point (k) (ii), 243(1) point (b), 244(1) point (b), 258; 36(1) point (k) (iii), 379(3); 36(1) point (k) (iv), 153(8); 36(1) point (k) (v), 155(4)
Transitional adjustments due to grandfathered CET1 Capital instruments	0	0	CA1 (1.1.1.6)	CRR Articles 483(1)–(3), 484–487
Transitional adjustments due to additional minority interests	27	26	CA1 (1.1.1.8)	CRR Articles 479, 480
Other transitional adjustments to CET1 Capital	75	60	CA1 (1.1.1.26)	CRR Articles 469–472, 478, 481
Additional Tier 1 Capital (net of deductions and after transitional adjustments)	0	0	CA1 (1.1.2)	CRR Article 61
Additional Tier 1 Capital instruments	3	6	CA1 (1.1.2.1–1.1.2.4)	-
Other additional Tier 1 Capital components and deductions	-3	-6	CA1 (1.1.2) – (CA1 (1.1.2.1–1.1.2.4))	-
Tier 1 Capital (net of deductions and after transitional adjustments)	2,828	2,916	CA1 (1.1)	CRR Article 25
Tier 2 Capital (net of deductions and after transitional adjustments)	874	752	CA1 (1.2)	CRR Article 71
Tier 2 Capital instruments	906	780	CA1 (1.2.1–1.2.4)	-
Other Tier 2 Capital components and deductions	-33	-28	CA1 (1.2) – (CA1 (1.2.1–1.2.4))	-

Risk Exposure Amounts

Risk Exposure Type	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Risk exposure amount for credit risk	23,494	22,607
Risk exposure amount for position, foreign exchange and commodities (Market risk)	259	224
Risk exposure amount for Credit Valuation Adjustment	193	205
Risk exposure amount for operational risk	1,223	1,223
Total Risk Exposure Amount	25,169	24,259

Notes:

May include hedges, which are not securitisation positions, as per Article 338.3 of CRR.

Original exposure is reported before taking into account any effect due to credit conversion factors or credit risk mitigation techniques.

Profit and Loss (P&L)

P&L Component	As of 31/12/2014 (mln EUR)	As of 30/06/2015 (mln EUR)
Interest income	888	401
Of which debt securities income	150	60
Of which loans and advances income	570	260
Interest expenses	505	223
Of which deposits expenses	245	107
Of which debt securities issued expenses	257	115
Dividend income	24	4
Net Fee and commission income	123	55
Gains or (-) losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss, and of non financial assets, net	35	9
Gains or (-) losses on financial assets and liabilities held for trading, net	152	-72
Gains or (-) losses on financial assets and liabilities designated at fair value through profit or loss, net	-235	110
Gains or (-) losses from hedge accounting, net	5	-1
Exchange differences [gain or (-) loss], net	2	1
Net other operating income/(expenses)	11	7
Total Operating Income, Net	499	293
Administrative expenses	300	154
Depreciation	33	17
Provisions or (-) reversal of provisions	-4	-5
Commitments and guarantees given	-5	-18
Other provisions	1	13
Profit or (-) loss before tax from continuing operations	-16	187
Profit or (-) loss after tax from continuing operations	-19	166
Profit or (-) loss for the year	-19	166
Of which attributable to owners of the parent	-10	159

Standardised Approach

Country	As of 31/12/2014	As of 30/06/2015
Austria	45,589	45,007
Germany	12,693	11,725
Czech Republic	205	210
United States	0	0

Notes:

Original exposure is reported before taking into account any effect due to credit conversion factors or credit risk mitigation techniques.

Total value adjustments and provisions per country of counterparty do not include securitisation exposures.

Key Observations

Capital Trends: The CET1 capital increased from 2,828 mln EUR to 2,916 mln EUR, while Tier 2 capital decreased slightly from 874 mln EUR to 752 mln EUR.
Risk Exposure: Total risk exposure decreased from 25,169 mln EUR to 24,259 mln EUR, primarily due to a reduction in credit risk exposure.
P&L Performance: The bank reported a net loss of 19 mln EUR for the year ending 31/12/2014, but a profit of 166 mln EUR for the period ending 30/06/2015, indicating improved financial performance.
Regulatory Compliance: The data is aligned with the Capital Requirements Regulation (CRR) and includes detailed breakdowns of capital components and their regulatory basis.

展开完整摘要